How to Handle Insurance Adjusters After a Personal Injury in Maryland
If you’ve suffered a personal injury in Maryland, chances are you’ll soon be contacted by an insurance adjuster. While they may seem friendly and cooperative, it’s important to remember that their ultimate goal is to save their company money—not to ensure you receive fair compensation.
Dealing with insurance adjusters can be tricky, but understanding their role and knowing how to handle interactions with them can prevent common pitfalls that could hurt your personal injury claim. This guide will help you navigate these conversations confidently and protect your rights under Maryland law.
What Does an Insurance Adjuster Do?
Insurance adjusters work for insurance companies to investigate claims, evaluate damages, and determine how much the insurer should pay. They gather evidence, review medical records, and may even attempt to negotiate a settlement with you.
While adjusters might appear sympathetic, their primary goal is to minimize payouts. This means they may downplay your injuries, question liability, or pressure you into accepting a quick, low settlement offer.
Maryland’s At-Fault System and Insurance Claims
Maryland operates under an at-fault system for personal injury claims, meaning the person or party responsible for the accident is liable for damages. If you’re injured, you can pursue compensation through the at-fault party’s insurance, your own insurance (in certain cases), or a personal injury lawsuit.
However, Maryland also follows contributory negligence laws, which bar you from recovering compensation if you’re found even 1% at fault for the accident. Insurance adjusters are well aware of this and may try to use it to their advantage, which is why your interactions with them are critical.
Steps to Take When Speaking to an Insurance Adjuster
- Be Prepared Before the Call
When an adjuster contacts you, they’ll likely ask for details about the accident, your injuries, and any expenses you’ve incurred. Before speaking to them, gather all relevant documents, including:
• The police report
• Medical records and bills
• Photographs of the accident scene and injuries
• Witness contact information
Having these documents on hand will help you stick to the facts and avoid making statements you might regret later. - Keep the Conversation Brief and Focused
Insurance adjusters often ask open-ended questions to get you talking, but it’s best to keep your responses short and factual. Provide only the necessary information, such as:
• Your name and contact information
• The date, time, and location of the accident
• The names of other parties involved
Avoid speculating about fault, injuries, or damages. If you’re unsure about a question, it’s okay to say you don’t know or that you’re still gathering information. - Avoid Admitting Fault
Maryland’s contributory negligence rule makes it especially important not to admit fault, even partially. Adjusters may ask questions designed to elicit statements that could be used against you, such as:
• “Were you distracted at the time of the accident?”
• “Could you have done anything to avoid the crash?”
Stick to the facts and avoid making statements like, “I should have seen them coming,” or “I didn’t notice the hazard in time.” Even seemingly harmless comments can be twisted to suggest you were partially at fault. - Don’t Discuss Your Injuries in Detail
Adjusters may press you for specifics about your injuries, but it’s best to keep your answers vague, especially early on. Some injuries take time to fully manifest, and downplaying your condition could hurt your claim later. Instead of saying, “I’m fine,” or “It’s just a minor sprain,” say something like, “I’m still undergoing treatment, and my doctor is evaluating my condition.” - Decline Recorded Statements
Insurance adjusters may ask to record your statement, claiming it’s “standard procedure.” However, recorded statements can be used against you, especially if your account changes as new information or symptoms emerge. You are not legally required to provide a recorded statement, and it’s best to decline politely. - Don’t Accept the First Settlement Offer
Adjusters often offer quick settlements to resolve claims before you fully understand the extent of your injuries or damages. These initial offers are typically much lower than what you deserve.
Before accepting any offer, consult with a personal injury attorney who can help you evaluate whether the settlement is fair and negotiate on your behalf. - Never Sign Anything Without Legal Advice
If the adjuster asks you to sign a medical release or settlement agreement, proceed with caution. Signing a medical release may give them access to your entire medical history, which they could use to argue that your injuries were pre-existing. Signing a settlement agreement, on the other hand, may waive your right to pursue additional compensation. Always consult an attorney before signing anything.
How an Attorney Can Help
Navigating personal injury claims in Maryland is challenging, especially with the state’s strict contributory negligence rule. An experienced attorney can:
• Communicate with insurance adjusters on your behalf
• Gather and present evidence to support your claim
• Evaluate settlement offers to ensure they cover your damages
• Protect your rights and ensure you don’t inadvertently weaken your case
Protect Your Claim with the Right Approach
Insurance adjusters are trained professionals who work to protect their company’s bottom line—not your best interests. By staying cautious, providing only necessary information, and consulting with an experienced attorney, you can protect your rights and ensure your claim is handled fairly.
Don’t let an insurance adjuster’s strategies jeopardize your recovery. Take control of your claim and get the expert guidance you need to move forward with confidence.
At the Law Offices of Nicholas Parr, we understand the complexities of Maryland personal injury law and know how to counter the tactics used by insurance companies. Whether you’re dealing with adjusters or preparing for court, we’ll be by your side every step of the way. Contact us today for a free consultation and let us help you secure the compensation you deserve. Remember, we don’t get paid unless you win.
